FWIW - Sam's Club is having a one-day event this Saturday November 10th. iPhone X, XS, XS Max and XR purchases will get up to $300 Sam's Club gift card (depending on carrier). Read the fine print on their add, but I believe the $300 gift card rebate will apply to upgrades as well as new lines. http...

FWIW - Sam's Club is having a one-day event this Saturday November 10th. iPhone X, XS, XS Max and XR purchases will get up to $300 Sam's Club gift card (depending on carrier). Read the fine print on their add, but I believe the $300 gift card rebate will apply to upgrades as well as new lines. https...

I find your post quite confusing. You describe a single amount X being withdrawn after 30 yrs but you refer to a monthly amount X in your first question. Can you provide the exact fund tickers you used and clarify the amount X you withdrew? Or perhaps provide a link to your exact configured scenario...

Is there a way I can scrape the M* page for the price of VMMXX and use that instead of Google finance? And if so, what would the formula be? The URL to the data you need is: http://quotes.morningstar.com/fund/c-header?t=VMMXX However, I haven't figured out how to parse out the Nav Price using index...

1) Check best price booking direct from Hotel's website.
2) Call the front desk using the local area-code number (not corporate 800 number) during non-busy hour of the day
3) See if they can offer help getting best booking price.

PC Magazine has a list of affected routers in their article. https://www.pcmag.com/news/361431/is-your-router-vulnerable-to-vpnfilter-malware I just checked and Netgear had new firmware available for my router, so I updated. Linksys E1200 Linksys E2500 Linksys WRVS4400N Mikrotik RouterOS for Cloud C...

You'd be surprised what you can do when you *have* to. Went from 2 incomes to 1 when DW had to be on bed rest for 4 mos due to complicated pregnancy. Took many steps to reduce recurring expenses. Turned in two new (leased) cars and bought two used beaters for cash. Cancelled landline phone and cable...

Reasons to keep the MBP: You prefer keys to touchscreen (if so, sell the tablet and keep the MBP) The MBP integrates better into the Apple eco-system (ITunes, call and message auto-transfers from iphone to MBP, etc) The MBP has more compute power than the tablet and can run more apps/programs (you a...

You should not have to pay a 10% penalty if you do a direct transfer from SEP IRA to Roth IRA, but you *might* have to pay income tax on the money withdrawn from SEP if it was contributed "pre-tax" originally. Here are a few references: https://www.investopedia.com/ask/answers/03/110803.asp https://...

Thanks for the useful links. I hadn't found that wiki page yet. It states that " rebalancing ensures that investors "Buy Low" and "Sell High"." That statement is an over simplification at best, and not true at worst. Rebalancing ensures that you are... 1) selling some of the portfolio products that...

I guess a "creative" way to cut cable would be to cancel both cable and internet, then read the paper, listen to radio, and/or watch cheap DVDs (or better yet, VHS tapes - you can still buy them at the pawn shop in our town)

Greetings, I recently started a new job and have a Schwab 401K with Personal Choice Retirement Account option (brokerage window). I noticed the PCRA has several options for the sweep/cash account, some are listed as "taxable" and some "non-taxable" savings and money market accounts. Since this is a ...

@Alan .S - Thanks much. This makes sense.
I am only working half time now, so income will remain below thresholds on-going.
Regardless, I will noodle through best way to divvy the contributions, now that I understand the flexibility of timing the deduction/income.

Doh! :oops: Thanks ivk5. Yes, DW's 6500 deductible TIRA contribution in 2017 will come back as a taxable conversion in 2018. So, pay me now or pay me later. I guess the third option would be to make the deductible contribution to her TIRA and stop doing her Roth conversions with the hope by the time...

Question regarding TIRA and RIRA, for our 2017 income tax filing... I am 54 yrs and DW is 64 yrs Married filing jointly I am covered by retirement plan at work, DW is retired We historically have had income above TIRA deduction limits and above RIRA limit, so do BD Roth every year. Last year, betwee...

I would caution that stocks are cheaper and not necessarily cheap. These are not "mortgage the house and buy stocks" kind of valuations. My guess is that forward P/E ratios have come down from about 22 to 20. Historically, the average is about 16 or 17. John Bogle believes we will likely see P/E co...

OP - I think you are asking why the *amount withheld from your paycheck* changed, even though you did not change the *selections on form W-4* you submitted to your payroll department - correct? Your payroll dept uses your W-4 to calculate withheld amounts based on guidelines from the IRS. If those g...

Well, first of all, Wellesley is not an SP500 index fund, so I wouldn't expect it to behave like the SP500. What about the bonds Wellesley holds? This chart shows VWINX (VG Wellesley Investors Shares) and SPX VWINX did not drop as far as SPX during the recent correction, but it had not risen as much...

"Utilising blockchain technology, the KodakOne platform will create an encrypted, digital ledger of rights ownership for photographers to register both new and archive work that they can then license within the platform ," Kodak explained. I am amazed at how much mis-information there is in this thr...

I am tall and lean and have trouble getting the right sleeve length without a lot of loose shirt in the body area so I tend to stick to what fits when I find it. I have been very happy with the Jos Banks "Traveller" dress shirts. These are the only dress shirt I wear to work any more. I subscribe to...

Upper midwest here. Several double-digit below zero days within long string of single digits above and below zero. One effect not mentioned yet is increased visits to the gas station :moneybag :moneybag :moneybag . I have long range remote start and use it for 10~15 min warm up before and after work...

I used to live a couple houses from the beach in Oxnard California. I parked my used Toyota Corona on the street. I rusted like crazy, especially where the paint was exposed or worn off (it was a well used car). I used to design ship-board control systems for Naval use. IMO - there is almost nothing...

Good to know that closed cards honor the warranty. I was wondering that myself. Full refund?

Don't know yet. I have to have TV looked at by local authorized VIZIO repair guy.
Then they will either pay to have it fixed or pay the full replacement cost, depending on the outcome.
Will update later.

Greetings, I thought I would share an experience that might be useful to others. I bought a TV at Costco 3 yrs ago using my Costco Amex credit card. So, it is out of the Costco Concierge 2yr warranty period but still within the Costco Amex extended warranty period. Last night the TV developed a big ...

The yield of I-bond is currently 2.58%. How does it compare against Ally 1-year 2.0% CD? I have never bought I-bonds and am not familiar with it except the fixed interest portion and 1/5 year rules. If I want to put away $20K this year for a minimum of a few years without a danger of loss, which ro...

I do not have experience with VG or Betterment as 401K providers, but last year I was on a committee at our company that shopped for alternate plans and we found "Employee Fiduciary" to be a very attractive option.

Where is anyone getting *native* 4K content? Any streaming service offering 4K has to compress it down so far, the quality is about the same as 1080p delivered at the same bitrate (and in some cases worse, especially high-motion content). Many 4K downloads and discs were not natively filmed in 4K - ...

I would NOT recommend the Sylvania LED bulbs.
We bought several 4-packs of the 60w-equivilents.
They have been burning out in less than a year for us. No matter the location.
I did receive a refund, but it is still a hassle.

Looking at the Sennheiser HD650. Any others to consider in the <$500 range and any reason to go above this range? Thanks. I liked the Hifiman HE400S but reviews said they are fragile. How are you using them? (Home office?, Travel?, Studio? Other?) Is 'around-the-ear' a must-have for you? Is noise -...

I pay $160 for four lines at Verizon. In my opinion, this ^^^ is not enough info to be useful. Our family of 3 uses Verizon. Here is the breakdown... We pay $120/month for 3 iPhones for line access, unlimited talk/text and 4GB data shared. We own two of the phones outright and are paying $26/month ...

I disagree. Roth accounts and HSAs should be filled with equities, with bonds being in tax-deferred or taxable (with municipals). Due to the tax-free growth and tax-free withdrawals (without RMDs), we want those accounts to be the largest. Only if you have filled your tax-deferred and taxable space...

If you are an Ally bank customer you can get Webroot SecureAnywhere for free. I have it on my Macbook Air & Windows 10 PC and am very happy with it so far. appears it has no firewall, have you configured your devices for that? from reading it doesn't seem like a 'complete' solution and one would ha...

Hello OP - The answer to your question depends on many variables. You will get better responses if you provide all the information suggested in this guideline... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 In general, I would have a hard time passing up a guaranteed 4% annual return th...

For those that want to read some actual science on this, here are two articles. This is from the US National Library of Medicine National Institutes of Health... https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4223198/ This is the actual World Health Org study referenced above... http://www.who.int/wat...